Finding the cheapest insurance for a Ford F-150 in Maryland depends on a very complex rating algorithm that uses multiple factors such as how far you drive to work, what you do for a living, and physical damage deductibles. Maryland drivers pay around $1,434 per year for F-150 insurance, but that cost is a projection based on a 40-year-old married female driver with full physical damage coverage and $100 deductibles.
There’s a high likelihood you aren’t exactly 40 years old or even a female, you might be single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a slight change in the rating criteria used to formulate rates could end up with a large change in how much coverage for a Ford F-150 costs.
Auto insurance is not the same for everyone, so the only real way to find the most affordable coverage for your Ford is to put in the effort to do a thorough rate comparison. In less than five minutes you will be able to see rates from some of the most affordable companies that offer coverage in Maryland.
Cheapest Ford F-150 Insurance Rates
The trim level of your F-150 has an effect on the annual cost of coverage, so the price you pay to insure a F-150 XL Regular Cab 2WD trim level will be $446 lower than the price to insure the more expensive F-150 Lariat Crew Cab Platinum 4WD version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-150 XL Regular Cab 2WD | $262 | $398 | $426 | $26 | $128 | $1,240 | $103 |
| F-150 STX Regular Cab 2WD | $262 | $508 | $426 | $26 | $128 | $1,350 | $113 |
| F-150 XL Super Cab 2WD | $262 | $508 | $426 | $26 | $128 | $1,350 | $113 |
| F-150 XLT Regular Cab 2WD | $262 | $508 | $426 | $26 | $128 | $1,350 | $113 |
| F-150 STX Super Cab 2WD | $262 | $508 | $426 | $26 | $128 | $1,350 | $113 |
| F-150 XL Crew Cab 2WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 XLT Super Cab 2WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 STX Regular Cab 4WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 XL Regular Cab 4WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 FX2 Super Cab 2WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 XLT Crew Cab 2WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 XL Super Cab 4WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 XLT Regular Cab 4WD | $300 | $508 | $426 | $26 | $128 | $1,388 | $116 |
| F-150 XL Crew Cab 4WD | $340 | $508 | $426 | $26 | $128 | $1,428 | $119 |
| F-150 STX Super Cab 4WD | $340 | $508 | $426 | $26 | $128 | $1,428 | $119 |
| F-150 XLT Super Cab 4WD | $340 | $508 | $426 | $26 | $128 | $1,428 | $119 |
| F-150 FX2 2WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 Lariat Super Cab 2WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 Lariat Crew Cab 2WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 FX4 Super Cab 4WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 XLT Crew Cab 4WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 FX4 4WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 Lariat Crew Cab 4WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 SVT Raptor Super Cab 4WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 Lariat Super Cab 4WD | $340 | $618 | $426 | $26 | $128 | $1,538 | $128 |
| F-150 Lariat Crew Cab Platinum 2WD | $340 | $728 | $426 | $26 | $128 | $1,648 | $137 |
| F-150 Lariat Crew Cab Harley 2WD | $340 | $728 | $426 | $26 | $128 | $1,648 | $137 |
| F-150 Lariat King Ranch 2WD | $340 | $728 | $426 | $26 | $128 | $1,648 | $137 |
| F-150 Lariat King Ranch 4WD | $378 | $728 | $426 | $26 | $128 | $1,686 | $141 |
| F-150 Lariat Crew Cab Harley 4WD | $378 | $728 | $426 | $26 | $128 | $1,686 | $141 |
| F-150 Lariat Crew Cab Platinum 4WD | $378 | $728 | $426 | $26 | $128 | $1,686 | $141 |
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in vehicle location which can change price quotes considerably.
Trying to find cheap auto insurance is not always easy, and determining which company quotes the most affordable car insurance rates for a Ford F-150 calls for even more shopping around. Each insurance company uses their own formula to establish rates, so we need to take a look at the car insurance companies with the most affordable rates in Maryland.
Compare Cheap Insurance Quotes for your F-150
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $930 |
| 2 | Liberty Mutual | $1,125 |
| 3 | Penn National | $1,126 |
| 4 | Erie | $1,127 |
| 5 | State Auto | $1,226 |
| 6 | Amica | $1,334 |
| 7 | Nationwide | $1,393 |
| 8 | Travelers | $1,426 |
| 9 | MetLife | $1,428 |
| 10 | California Casualty | $1,484 |
| 11 | GEICO | $1,486 |
| 12 | State Farm | $1,630 |
| 13 | Allstate | $1,662 |
| 14 | Progressive | $2,086 |
| 15 | Encompass | $2,490 |
| 16 | Victoria | $3,053 |
| Compare Rates Now Go | ||
USAA quotes some of the lowest car insurance rates in Baltimore at around $930 each year. Liberty Mutual, Penn National, Erie, and State Auto also qualify as some of the most economical Baltimore, MD car insurance companies.
In this example, if you are a policyholder with State Auto and switched to Liberty Mutual, you may see a yearly savings of in the neighborhood of $101. Drivers with Amica may save as much as $209 a year, and Nationwide insureds might lower prices by $268 a year.
Remember that these estimates are averaged across all insureds and vehicles and do not factor in a specific zip code for a Ford F-150. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Discounts on Baltimore insurance rates
Insurers that offer cheap quotes for a Ford F-150 may additionally offer price discounts that can reduce rates by as much as 35% or more if you meet eligibility requirements. A list of car insurance companies and a summarized list of policyholder discounts are outlined below.
- Farm Bureau may offer discounts for multi-policy, multi-vehicle, driver training, youthful driver, good student, and renewal discount.
- Liberty Mutual may have discounts that include exclusive group savings, newly retired, good student, new vehicle discount, and hybrid vehicle.
- State Farm has discounts for safe vehicle, anti-theft, passive restraint, multiple policy, student away at school, and multiple autos.
- Auto-Owners Insurance offers premium reductions for anti-lock brakes, good student, paid in full, student away at school, and company car.
- GEICO has savings for defensive driver, military active duty, emergency military deployment, multi-policy, and seat belt use.
- SAFECO offers discounts for bundle discounts, teen safety rewards, anti-theft, accident prevention training, and teen safe driver.
The example below illustrates the comparison of car insurance rates with and without some available policy discounts. Data assumes a female driver, a clean driving record, no claims, Maryland state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, defensive driving course, anti-theft, safe-driver, vehicle safety, and claim-free discounts applied. When taking advantage of discounts, theaverage yearly reduction on car insurance for a Ford F-150 is 28% or $735.
Why you should compare rates
Baltimore, MD car insurance rates are impacted by many things which can substantially change the cost of your policy. Simply getting older, adding a teenager to your policy, or getting a few speeding tickets can trigger price changes that can cause some rates to be cheaper than competitors.
In addition to those changes, insurance companies file new Maryland auto insurance rates every year in order to maintain liquidity for claims. A period of higher than normal claims can cause higher rates, while profitable underwriting can cause more affordable F-150 insurance rates.
As an example, the graph below compares the cheapest car insurance in Baltimore, MD for a 40-year-old female driver with no violations or accidents, and solid credit. When comparing rates based on her current rating profile, USAA offers the lowest car insurance rates in Baltimore at $1,636 a year. This is $77 more than the average premium paid by Maryland drivers of $1,559. Erie, Liberty Mutual, Penn National, and State Auto are also on the list of the best Baltimore, MD auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a claim surcharge, a little lower credit rating, and a traffic citation. Since each auto insurer has a unique formula to determine rates, analyzing rates may now present a new list of affordable companies as shown below.
MetLife now has the cheapest car insurance in Baltimore with Nationwide, Travelers, GEICO, and California Casualty now rounding out the top five. This example demonstrates why it is critical to take the time to shop around to find the best insurance rates for a Ford F-150. Insurance prices are impacted by many risk factors and can increase or decrease at any time, so the most economical company when you last compared rates may now cost much more than other companies.
If you aren’t sure which coverage to buy and prefer to get some guidance when trying to find the best insurance rates for a F-150 pickup, the agents shown below can probably help you determine which policy fits your needs best.
To find an auto insurance agency near you, click the button link following the list or click here to compare price quotes now.
- Aja Green – State Farm Insurance Agent
7635 Belair Rd – Baltimore, MD 21236 – (410) 882-9433 - Rosasco and Yetter Insurance Agency
8831 Satyr Hill Rd #302 – Baltimore, MD 21234 – (410) 661-1440 - John Stein – State Farm Insurance Agent
6630 Baltimore National Pike #100b – Baltimore, MD 21228 – (410) 744-7733 - Ugele Insurance
408 E 25th St – Baltimore, MD 21218 – (410) 366-6566
More insurance agents in Baltimore, MD
How to find economical car insurance for a Ford F-150
Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help drivers locate low-cost coverage.
- Bundle home and auto and save
- Try paying for small claims out-of-pocket
- Drive safe vehicles
- Accident-free drivers may qualify for discounts
- Save money by observing traffic laws and speed limits
- Comparison shop at least every other year
That last idea is extremely valuable, as was noted in this piece. Prices charged by auto insurers adjust frequently, so don’t be tentative to switch carriers if a more affordable rate is found.
Many drivers prefer to stick with one company, but it’s not a good idea if that inflexibility results in costing you money that could be used for better things. It only takes a couple minutes to shop around and find cheaper insurance for a Ford F-150 in Baltimore.